Student Loan Refinancing

General Questions

• Can Earnest Refinance Sallie Mae Loans?
• Does Earnest Match Rates on Refinance Offers From Competitors?
• Why Do I Need To Connect My Bank Accounts?
• Who Should Consider Refinancing With Earnest?
• When Should I Refinance My Student Loans?
• What Makes Refinancing My Student Loans With Earnest Different From Other Refinancing or Consolidation Options?

Eligibility

• How Does Earnest Determine Loan Ownership?
• Do you refinance loans in default or that have been sent to a collection agency?
• Can I Refinance My Prodigy Finance Loan With Earnest?
• My Student Loans Are Held By an Institution Outside The U.S., Can I Refinance With You?
• Can I Refinance My Current Earnest Student Loan Refinance Again?
• Is My School And/Or Program Eligible?

Application

• Why didn’t I see estimated rates after doing a rate check?
• How Soon Can I Expect a Decision?
• Can I change my refinance amount before accepting my loan?
• What if I only want some of my loans paid?
• Why Didn't I Get Approved for All Loan Terms?
• How long do I have to accept my loan offer?

10-Day Payoff

• American Education Services: How to Find Your 10-Day Payoff Information
• College Ave: How to Find Your 10-Day Payoff Information
• Earnest: How to Find Your 10-Day Payoff Information
• EdFinancial Services: How to Find Your 10-Day Payoff Information
• Firstmark Services: How to Find Your 10-Day Payoff Information
• LendKey: How to Find Your 10-Day Payoff Information

Making Payments

• What is the difference between my billing date and my payment date?
• What Are My Repayment Options, and What if I Cannot Make a Payment?
• Can I make a same day extra or manual payment?
• Can I pay by check, wire transfer, or my bank's online bill-pay?
• My mathematical minimum payment amount should be less than $25. Why can't I change it to less than $25?
• Can I break up my monthly payment into two or more smaller payments, like biweekly payments?

Managing Your Account

• My Earnest loan was overpaid, how will that be refunded?
• When will I get my signing bonus?
• How Do I Find My Individual Loan Numbers For My Current Loans?
• Why Haven't my Previous Loans Been Paid off Yet?
• How can I Find the Payoff Amount for My Earnest Loan?

Contact Us
Business hours are
Monday - Friday, 6 a.m. - 5 p.m. PT
excluding holidays

Feel free to email hello@meetearnest.com if you need help now!